Is Cash Advance Now legit?
Cash Advance Now is a real lender owned by the Fort Belknap Indian Community of the Fort Belknap Reservation of Montana, a federally recognized and sovereign American Indian Tribe, but that doesn’t make it legit. True legitimate lenders don’t charge 600% or 700% interest — they abide by state and federal laws that generally limit rates on loans to 36%.
How Cash Advance Now compares to other lenders
What is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you’re comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
Read the full Finder Score breakdown
Where Cash Advance Now falls short
There’s nothing to like about Cash Advance Now’s interest rates. Companies like this typically market to borrowers who have nowhere else to turn to for loans. And, by charging outrageous rates, it’s practically impossible for people to repay them. For example, based on a sample loan from the Cash Advance Now website, a $500 loan with a 700% APR winds up costing the borrower around $2,500 if they can’t repay it early.
There are much better options for bad credit loans that won’t have you paying four or five times what you originally borrowed, even if you can only afford the minimum payment.
What makes Cash Advance Now shine?
While we can appreciate that Cash Advance Now has multiple warnings that this is an expensive form of borrowing and that repaying early is highly recommended, that’s not good enough. You’re better off looking into other installment loans. Or, if you only need a small loan, a cash advance app is a much cheaper option.
Cash Advance Now offers a very small discount if you agree to autopay. However, based on some previous customer complaints, you may want to consider whether you want this lender to have access to your bank account.
Cash Advance Now loan details
| Minimum credit score/credit range | No minimum credit score |
| APR | 600% or more |
| Loan amount | $300 to $1,500 |
| Terms | Not stated |
| Approval turnaround | As soon as the next business day |
| Availability | Not available in: Arkansas, Connecticut, Maryland, Minnesota, Montana, New York, Pennsylvania, Vermont, Virginia, West Virginia |
| Fees | Late fee: 10% of payment amount NSF penalty: $25 |
| Other fees | Unknown |
Cash Advance Now contact info
| Phone number | 888-906-6419 |
| Customer service hours | Weekdays: 6 a.m. to 5 p.m. Saturdays: 8 a.m. to 4:30 p.m. |
| support@cashadvancenow.com | |
| X, formerly Twitter | N/A |
| N/A |
Calculate your monthly loan payments
Use our loan repayment calculator to compare monthly payments and the total cost of the loan based on different rates and loan terms.
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| Principal | $ |
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| Interest | $ |
| Total Cost | $ |
How to qualify for Cash Advance Now
Cash Advance Now doesn’t have a minimum credit score to qualify. You just need to meet these four requirements:
- Consistent, verifiable source of income for the last 90 days
- Earn at least $1,150 in monthly income
- Open checking account for at least 90 days
- 18 or older and a US citizen
How to apply
If you have run out of other options and need to get a loan from this lender, here’s what to do:
- Fill out the online application, which typically involves providing banking details and proof of income.
- Receive a decision in minutes via email.
- Review your loan agreement and repayment schedule if approved.
- E-sign your contract. You should receive funds by the next business day.
Cash Advance Now reviews and complaints
The Trustpilot rating is based on Bright Lending reviews because Cash Advance Now doesn’t have a Trustpilot page. However, the Better Business Bureau (BBB) responses from the company refer to itself as both Cash Advance Now and Bright Lending.
| BBB accredited |
No |
|---|---|
| BBB rating |
B |
| BBB customer reviews |
1.14 out of 5 stars, based on 7 customer reviews |
| Trustpilot Score |
1.4 out of 5 stars, based on 33 customer reviews |
| Customer reviews verified as of |
07 April 2025 |
There are no positive reviews on this lender from the BBB or Trustpilot. Customers complain of poor customer service, rates over 600% and extra payments being deducted from their accounts. Several reviewers also claim that after deciding not to proceed with the loan, money was deposited in their accounts anyway, without having signed a loan agreement. In its responses, the company maintains that those people did request a loan.
What do people on Reddit say?
There is nothing about Cash Advance Now on Reddit — possibly because the company name is too vague and gets confused with general cash advance apps. But there is talk of Bright Lending, which is owned by the same tribe and has the same mailing address.
Some Redditors who took out loans with this lender are advised by others to pay it off as soon as possible to avoid getting buried in interest charges. A few people even suggest borrowers stop making payments, but some said there’s no guarantee the company won’t pursue legal action.
Frequently asked questions
What if I can’t make my payment on my due date?
If you think you can’t make your payment, you’ll need to call customer service at least three days before your payment is due. You may be able to adjust your due date, skip a payment or make a reduced payment.
Do I have to make my loan payments by autopay?
No. You also have the option to pay by debit card, personal check, Western Union, certified check or cashier’s check.
